Investing in Property
Investing in Property
Property investment can be a powerful way to build long-term wealth and the right loan structure is key to making it work. Whether you're buying your first investment property or growing your portfolio, Direct Mortgages Wollongong will guide you through your finance options, help you understand tax benefits, and ensure your loan is set up to support your goals. With access to over 40 lenders, Direct Mortgages Wollongong will find a strategy that fits your needs and maximises your investment potential.
Investing in Property FAQs
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Your borrowing power depends on your income, existing debts, and the expected rental income from the property.
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Investment loans may have different interest rates, fees, and tax implications. We’ll help you choose the right one.
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Interest-only loans can help with cash flow, but P&I may reduce long-term interest costs. The best option depends on your strategy.
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Negative gearing allows you to claim a tax deduction when your rental income is less than your expenses. We recommend speaking with your accountant about this too.
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Yes — using home equity as a deposit is a common strategy for property investors.
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Most lenders prefer at least a 10–20% deposit for investment loans, though options may vary based on your financial profile.
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Yes — including stamp duty, landlord insurance, property management fees, maintenance, and possible vacancy periods.
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Lenders typically use a percentage of the expected rental income (usually 70–80%) when calculating your borrowing power.
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Yes, but this can affect your lending options and tax situation. We recommend getting both mortgage and legal/tax advice for this structure.
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The market is always changing. We’ll help you understand your options and work with your financial goals — regardless of the market cycle.
Watch & Learn: Expert Insights Made Simple
Explore easy-to-follow videos on home loans, property investment, and smart finance tips—designed to help you make confident decisions.